Effective Date: August 1, 2026
Last Updated: August 1, 2026

Dunn Insurance Agency LLC ("Dunn Insurance Agency," "Agency," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information obtained through our website, www.dunninsure.com (the "Website"), our communications, and our AI-powered voice assistant.

Dunn Insurance Agency is headquartered in Utah and strives to comply with applicable federal and state privacy laws, including the Utah Consumer Privacy Act (UCPA), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable U.S. privacy regulations.

1.1 Technology Providers:

Our Website and AI-powered communication tools are supported by GoDaddy Airo and other third-party technology providers that process information on our behalf in connection with providing services to customers and prospective customers.

2.1 Information You Provide Directly:

When interacting with our Website, requesting insurance information, communicating with us, or using our AI assistant, we may collect:

• Name
• Email address
• Telephone number
• Mailing address
• Vehicle information
• Property information
• Insurance quote information
• Appointment scheduling details
• Communications and correspondence
• Any other information voluntarily submitted to us

2.2 Information Collected Automatically

When visiting our Website, we may automatically collect:

• IP address
• Browser type and version
• Device identifiers
• Operating system information
• Access dates and times
• Pages viewed
• Navigation activity
• Referral sources
• Website performance and diagnostic data

2.3 AI Voice Assistant Information:

Important Notice

When using our AI voice assistant, you are interacting with an automated artificial intelligence system and not a licensed insurance producer.

We may collect:

• Voice recordings
• Conversation transcripts
• Contact information you provide
• Insurance-related information you choose to share
• Conversation metadata, including date, time, and call duration

Calls and conversations may be recorded and transcribed for:

• Customer service
• Quality assurance
• Compliance
• Documentation
• System administration
• AI performance improvement

Biometric Information:

Dunn Insurance Agency does not use voice recordings to create biometric identifiers, biometric information, or voiceprints for identification purposes.

3.1 Business Purposes:

We use personal information to:

• Provide insurance quotes and information
• Respond to questions and requests
• Schedule appointments
• Connect customers with insurance carriers and products
• Facilitate customer service
• Maintain business records
• Fulfill contractual obligations

3.2 Website Operations:

We also use information to:

• Operate and maintain our Website
• Improve Website functionality
• Enhance user experience
• Monitor Website performance
• Detect fraud and security threats
• Comply with legal requirements

3.3 Activities We Do Not Engage In

Dunn Insurance Agency:

• Does not sell personal information
• Does not share personal information for cross-context behavioral advertising
• Does not knowingly collect personal information from children under 18
• Does not use automated decision-making systems that produce legal or similarly significant effects on consumers

4.1 Service Providers;

We may share information with trusted service providers that assist us in operating our business.

These providers may include:

• PolicyLift
• EZLynx
• Artificial intelligence providers
• Voice-processing providers
• Website hosting providers
• Analytics providers
• Communication platform providers
• Advertising service providers
• Cloud storage providers

Current providers may include organizations such as OpenAI, ElevenLabs, Cartesia, Duda, Google, and similar vendors that support our operations.

All service providers are expected to protect information and use it only for authorized business purposes.

4.2 Insurance Partners:

We may share information with:

• Insurance carriers
• Underwriters
• General agencies
• Insurance service organizations
• Licensed insurance professionals

when necessary to obtain quotes, evaluate risk, process transactions, or provide requested insurance services.

4.3 Legal Requirements:

We may disclose information when required by:

• Law
• Court order
• Subpoena
• Regulatory investigation
• Government request

We may also disclose information to protect the rights, safety, property, and security of Dunn Insurance Agency, our customers, and others.

4.4 Business Transfers:

If Dunn Insurance Agency undergoes a merger, acquisition, reorganization, sale of assets, or other business transaction, personal information may be transferred as part of that transaction.

Our AI-powered voice assistant utilizes third-party artificial intelligence technology to process speech and generate responses.

By interacting with the AI assistant, you acknowledge:

• Conversations may be processed through third-party AI systems.
• AI-generated responses may contain inaccuracies, omissions, or errors.
• AI responses are informational only.
• AI-generated information should not be considered legal, tax, financial, or insurance advice.

Important Insurance Limitation:

The AI assistant is not a licensed insurance producer and cannot:

• Bind insurance coverage
• Modify policies
• Cancel coverage
• Reinstate coverage
• Provide legal advice
• Guarantee pricing
• Guarantee eligibility
• Guarantee underwriting approval

Important insurance decisions should be confirmed directly with a licensed insurance professional.

We prohibit service providers from using customer information to train public-facing AI models unless specifically authorized by applicable agreements.

Depending on your state of residence, you may have certain rights regarding personal information.

6.1 Your Rights May Include:

• Right to know what information we collect
• Right to access personal information
• Right to request correction of inaccurate information
• Right to request deletion of personal information
• Right to receive information regarding disclosures
• Right to opt out of certain processing activities where applicable
• Right to non-discriminatory treatment when exercising privacy rights

6.2 Exercising Your Rights:

Requests may be submitted by contacting us using the information provided below.

To protect privacy, we may require verification of identity before processing requests.

We generally respond to verified requests within 45 days and may extend that period where permitted by law.

6.3 Authorized Agents:

Where permitted by law, authorized agents may submit requests on behalf of consumers, subject to verification requirements and written authorization.

We retain personal information only as long as reasonably necessary for:

• Providing services
• Maintaining business records
• Legal compliance
• Dispute resolution
• Enforcement of agreements
• Fraud prevention

AI Conversation Records:

Voice recordings and conversation transcripts are generally retained for up to seven (7) years, unless a longer retention period is required by law, regulatory requirements, ongoing business needs, litigation holds, or other legitimate business purposes.

When information is no longer needed, it will be securely deleted, anonymized, or otherwise disposed of according to applicable requirements.

We maintain reasonable administrative, technical, and physical safeguards to protect personal information.

Measures may include:

• Encryption in transit and at rest
• Access controls
• Authentication requirements
• Employee training
• Secure cloud infrastructure
• System monitoring and auditing

No method of electronic transmission or storage is completely secure. While we strive to protect information, we cannot guarantee absolute security.

Security Incidents:

If a data security incident affects personal information, Dunn Insurance Agency will provide notifications and take action as required under applicable law.

Our Website and services are intended for adults and are not directed to individuals under 18 years of age.

We do not knowingly collect personal information from minors. If we become aware that we have received information from a minor, we will take reasonable steps to remove it.

We use cookies and similar technologies to:

• Operate the Website
• Maintain security
• Improve functionality
• Analyze Website usage

Analytics information may be collected through Duda Analytics and similar technologies.

Based on our current use of essential and limited analytics technologies, we believe prior consent is generally not required under applicable law. This may change if our use of cookies changes.

California residents may have rights under the CCPA and CPRA, including the right to:

• Access personal information
• Know what information is collected and disclosed
• Request deletion
• Request correction
• Limit certain uses of sensitive information
• Opt out of certain sharing activities
• Receive equal treatment when exercising privacy rights

No Sale of Information:

Dunn Insurance Agency does not sell personal information as defined by California law.

Residents of Utah and other states with comprehensive privacy laws may have privacy rights under applicable state statutes.

These states may include:

• Utah
• Virginia
• Colorado
• Connecticut
• Oregon
• Texas
• New Jersey
• Delaware
• Tennessee
• Montana
• Minnesota
• Nebraska
• New Hampshire
• Maryland
• Iowa

Rights and requirements vary by jurisdiction.

Our Website currently does not respond to browser Do Not Track signals.

Where legally required, we honor valid Global Privacy Control (GPC) signals as requests to opt out of certain processing activities.

Our Website may contain links to third-party websites that we do not control.

We are not responsible for the privacy practices, security practices, or content of third-party sites. Users should review their privacy policies before submitting information.

We may revise this Privacy Policy periodically.

When changes are made:

• The updated policy will be posted on this page.
• The "Last Updated" date will be revised.
• Material changes may be highlighted on the Website.

Continued use of our Website after updates become effective constitutes acceptance of the revised policy.

Our services are intended primarily for individuals located within the United States.

If information is submitted from outside the United States, it may be transferred to and processed in the United States, where privacy laws may differ from those in other jurisdictions.

This Privacy Policy shall be governed by and interpreted under the laws of the State of Utah, without regard to conflict-of-law principles.

Information submitted through the Website, online forms, email communications, text messages, phone communications, or the AI assistant is provided for informational and customer-service purposes only.

Submission of information does not:

• Constitute an insurance application
• Bind insurance coverage
• Change coverage
• Reinstate coverage
• Cancel coverage
• Guarantee eligibility
• Guarantee premium pricing

Insurance coverage is effective only when confirmed by an authorized representative of Dunn Insurance Agency and, where applicable, the insurance carrier.

Customers should contact the Agency directly regarding policy changes, coverage questions, claims reporting, cancellations, or other time-sensitive matters.

Effective Date: August 1, 2026:

By opting in to received SMS messages from Dunn Insurance Agency also knows as Dunn Insurance Agency LLC ("we", "us", "our"), you agree to these terms and conditions (Terms.)

SMS Messaging Service:

By providing my phone number, I consent to receive SMS text messages from Dunn Insurance Agency also known as Dunn Insurance Agency LLC for appointment reminders, marketing messages, and general two-way communication about insurance products and services.  Message and Data Rates may apply.  

Message Frequency:

You will get more than one message from us unless you opt-out, and while messaging frequency varies, you will likely receive up to 4 messages a month. Dunn Insurance Agency reserves the right to alter the frequency of messages at any time to increase or decrease the total number of messages. Dunn Insurance Agency and carriers are not liable for delays or undelivered messages. 

Message and Data Rates:

Message and data rates may apply based on your mobile carrier’s terms.  

Privacy Policy:

Your information will be handled in accordance to our Privacy policy https://dunninsure.com/privacy-policy.

Cancellation/Opt-Out Instructions:

 You can opt out of receiving SMS messages at any time by replying STOP to any message we send you. After you opt out of text messaging, you will receive one additional message confirming your request has been processed.  

Help/Customer Support

Text the word HELP for support.  You may also contact us directly:

Phone: 801-689-3217
Email: dave@dunninsure.com

Liability:

We are not responsible for any charges, errors, or delays in SMS delivery or undelivered messages caused by your carrier or third-party service providers. 

Dunn Insurance Agency
1893 E Skyline Dr, Suite 201
Ogden, UT 84403

Website: https://www.dunninsure.com
Email: dave@dunninsure.com
Phone: 801-689-3217

If you have questions about this Privacy Policy, our privacy practices, or your privacy rights, please contact us using the information above.